Comparing quotes is the best way to get your lowest rates from top insurers like Liberty Mutual and GEICO. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Liberty Mutual and GEICO are both huge names in the insurance industry. Both companies have exceptional consumer reviews and customer satisfaction ratings from top review services and websites. GEICO’s prime focus is on car insurance. So it offers more discounts for auto insurance than does Liberty Mutual. GEICO also ranked as the #1 auto insurer of 2015, with Liberty Mutual as #8.
However, Liberty Mutual won a J.D. Power award in 2015 for best customer buying experience. It also offers additional discounts for customers who are newly graduated, married, retired, or moved.
| Best If |
Liberty Mutual
|
GEICO
|
| Worst If |
Liberty Mutual
|
GEICO
|
Liberty Mutual
Bundle & SaveWhen you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money. Multi-Car DiscountThe discount does just as it says. For customers who have multiple cars on one policy, Liberty Mutual aims to provide the best value. This helps make managing your auto insurance as stress-free as possible. Exclusive Group SavingsLiberty Mutual has partnerships with more than 14,000 groups. Being a member of any one of them could make you eligible for a discount with the insurance company. |
GEICO
GEICO offers a number of discounts for auto, truck, and motorcycle insurance. Some of the discounts include:
|
| Bundling Coverage Discounts | Liberty Mutual | GEICO |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Liberty Mutual | GEICO |
| Alternative Fuel | ||
| Electronic Stability Control (ESC) | ||
| Anti-Lock Brake | ||
| Anti-Theft | ||
| Passive Restraint | ||
| New Car | ||
| Economy Car | ||
| Utility Vehicle | ||
| Farm or Ranch Vehicle | ||
| Driving Record and Insurance History | Liberty Mutual | GEICO |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Liberty Mutual | GEICO |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Liberty Mutual | GEICO |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Liberty Mutual | GEICO |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Liberty Mutual Auto Insurance | GEICO Auto Insurance | |
|---|---|---|
| 2016 | 160 | 144 |
| 2015 | 267 | 283 |
| 2014 | 235 | 267 |
| 2013 | 187 | 188 |
| Liberty Mutual Auto Insurance | GEICO Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | Below average |
| Policy Offerings | Among the best | Average |
| Pricing | Above average | Average |
| Local Agent | Among the best | Below average |
| Call Center Representative | Above average | Average |
| Insurer Website | Average | Average |
| Liberty Mutual Auto Insurance | GEICO Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Average | Average |
| First Notice of Loss | Average | Above average |
| Service Interaction | Average | Below average |
| Appraisal | Average | Average |
| Repair Process | Average | Below average |
| Rental Car Experience | Average | Among the best |
| Settlement | Average | Average |
| Liberty Mutual Auto Insurance | GEICO Auto Insurance | |
|---|---|---|
| A.M. Best | A | A++ |
| Moody's | A2 | Aa1- |
| S&P's | A | AA+ |
|
Liberty Mutual
Liberty Mutual has a quite a few mobile apps to choose from for managing your car insurance. The Liberty Mutual Mobile App includes all the features and services of the company’s website. You can use it to:
You can also use it to record details of your incident and get your claim process started. The Liberty Mutual CarZen App is mainly geared for Apple devices, and is a powerful tool for car shopping. Use it to research any type of car, see its details with hi-res photos and read thorough reviews. CarZen makes car shopping simple and hassle-free. The Home Gallery App allows you to log all your personal items into one mobile database. You’ll have a complete home inventory you can access in the event of theft or damage to your home. Click here for more information and to download any of the Liberty Mutual mobile apps. |
GEICO
The GEICO Mobile Appprovides customers easy access to their insurance policies. Its features include:
|
Liberty Mutual
Liberty Mutual 24-Hour Roadside AssistanceTowing & Labor coverage on the policy. Collision/comprehensive covers this first but Towing & Labor kicks in if driver doesn’t have collision/comprehensive coverage Roadside Services covered
Contact Phone NumberLiberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. Click here to go to the Liberty Mutual Roadside Assistance website. |
GEICO
GEICO Roadside Assistance With Emergency Road ServiceGEICO Roadside Assistance With Emergency Road Service is an add-on that provides customer's with cheap towing and basic repairs. The service costs as little as $14 a year, per car and can assist motorists with: Roadside Assistance Services Covered
Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made. Contact Phone NumberYou can access GEICO’s Emergency Road Service through its mobile app. You can also call (800) 443-7411. Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send help even if you're not sure where you are. |